Mrs Green complains that Prudential’s sales representative improperly persuaded her to pay additional voluntary contributions (AVCs) to Prudential. Mrs Green states that the sales representative did not inform her that she could purchase past added years (PAY) in the Te …

Mr Reide says that he was given misleading advice about the value of his policy during the course of a telephone conversation with AXA Sun Life’s Call Centre in May 2002. When he subsequently requested updated figures in June 2002, delays caused by AXA Sun Life meant that by the time he rec …

Mr Waller complains that the Trustee improperly refused him an early retirement pension on the grounds of ill health. Some of the issues before me might be seen as complaints of maladministration while others can be seen as dispu …

Mr R brings this complaint on behalf of his granddaughter (KS) Following the death of KS’ father, Mr S, the Trustees paid one third of the lump sum death benefit payable from the scheme to KS. The balance was paid to Mr S’ partner (DC) at the time of his death. Mr R …

Mr Cox says that Winterthur Life delayed in dealing with the transfer of his pension fund to a new provider and that as a result he lost the opportunity to operate a hedged investment strategy and sustained losses of £47,558. Some of the issues before me might be seen as complaints of maladministration while others can be …

Mr Booth’s application concerns the transfer of his benefits in the Scheme (formerly the Bemrose Corporation Pension Scheme (BCPS) to the Bemrose Group Pension Scheme (BGPS) He says that his benefits were not adequately protected and he has in consequence suffered a f …

Mr Lee-Smith says that he was only advised a few weeks before he was due to retire that a Market Value Reduction (MVR) would be applied to his policy on maturity at his nominated retirement age. Previously he had been given contradictory information by representatives of Norwich Union re …

Mr X complains about the failure to award him early access to his deferred benefits on the grounds of ill health. He has also made the following specific all …

The Applicant complains that the Employer and the Trustees miscalculated his early retirement pension by failing to take into account a service …

The Applicants are DCT Engineering Limited (the Employer) and the five lay trustees of the Scheme. The Trustees allege that Santhouse, in its capacity of p …